Capital Raising Process

    We enable development opportunities in a few simple steps.

    1. Approved Partner

    Become an approved partner by submitting a quick and straightforward online application. Developers will need to provide company and director information, including details of their track record.

    2. Submit a Project

    Start the fund raising process by submitting projects for review by our team. Only projects that meet our criteria will progress to our full due diligence stage.

    3. Due Diligence

    We will carefully consider all qualifying projects. Unlike some traditional lenders, our team is focused on reaching an informed decision as efficiently and quickly as possible.

    4. Receive Funding

    Once a project is approved we will move quickly to complete the deal. We manage all the administration so you can focus on development.

    Pricing

    Our success is aligned with our developers.

    Account Set-Up


    £50 per director
    £250 per company

    Company and director assessment includes: ID verification, anti-money laundering checks, credit and financial statement assessment.

     

    Project Submission


    £500 (reimbursed if successful)

    Project feasibility assessment charge. This fee is reimbursed for successful projects we choose to partner with.

     

    Capital Charge


    Share Capital; No Charge
    Loan Capital; 1% arrangement fee and no exit fees.

    All loan-based fees are incurred by the SPV, which includes a 1% loan arrangement fee and competitive loan interest payments. There are no exit fees.

    Benefits

    The future of fund raising

    New Funding Source

    We want to help developers raise the capital required to engage in worthwhile projects that can add value to neighbourhoods throughout Britain. We do this by making property investment available to small savers who previously had only limited access to the property investment market.

    Share & Loan Capital

    Unlike most banks we can provide both share capital and loans. We structure our funding models with sufficient share capital to ensure loan servicing costs can be met while still benefiting from the leverage provided by the loan. We partner with you in your development projects while providing you with access to competitively priced capital.

    Quick Decisions

    We understand the need to move quickly on property development and investment opportunities. By using technology we remove middlemen and improve processing times. We also take a commercial and pragmatic approach to your project. All with the shared goal of completing the transaction as quickly as possible.

    Secure

    Our priority is protecting your investments.

    Ring-Fenced
    Investments

    Each property is owned separately and ring-fenced from any liabilities of British Pearl’s other properties.

    Each property is purchased by a limited company (special purpose vehicle or “SPV”) incorporated solely for the purpose of purchasing a specific property. The SPV is managed but not owned by us, so is completely separate from the assets and liabilities of British Pearl. In the unlikely event of British Pearl ceasing trading, your property investment would not be at risk and could be administered by an alternative manager.

    Segregated
    Client Money

    Pending investment, your money is held in a segregated client account protected by the Financial Services Compensation Scheme (FCSC).

    The money is held in a segregated client account at a leading UK bank, separate to British Pearl’s funds and protected by the FSCS, to a limit of £75,000. For more information please visit the FSCS website. Loans or share investments are not within the remit of FSCS protection.

     

    FCA
    Authorised

    British Pearl Limited is authorised and regulated by the Financial Conduct Authority.

    The Financial Conduct Authority (FCA) authorises and regulates firms providing financial services in the UK. Commonly referred to as the regulator, it has three main statutory objectives (i) to protect consumers, (ii) maintain market integrity and (iii) promote effective competition. British Pearl Limited is authorised and regulated by the FCA, and operates within its very strict rules and regulations. Our registration can be confirmed on the FCA’s financial Services Register using firm reference number 674693.

     

    Liquidity
    Protection

    Your property investments are protected from cash flow problems by our contingency funds.

    For each investment a capital reserve, known as the SPV Reserve, will be maintained to cover any unforeseen expenses such as a leaky roof or faulty heating. However, if SPV costs outweigh the rental income and the SPV Reserve, we provide an additional layer of protection through our contingency fund SHIELD. We have the discretion to make SHIELD funds available to any SPV (property investment) in the event it experiences a cash flow problem.

     

    Investment Criteria

    Our investment selection process

    Professional Partners

    British Pearl works with reputable professional partners. These include institutions, investment funds, insolvency practitioners, auction houses, estate agents and developers with excellent track records and forward thinking development strategies which enhance the areas they work in.

    Location Driven

    We focus on locations with high rental demand, good transport connections and excellent growth potential.

    Risk Mitigation

    British Pearl’s experienced Investment and Risk Team employs a rigorous assessment process to minimise risks and maximise potential returns. Where possible we offer property investments under the current RICS valuation to give the highest possible chance of capital gains for Share Investors.

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